| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTHCARE ACCESS3 | 7422 SOUTHERN BOULEVARD YOUNGSTOWN, OH 44512 | MEDICAL MUTUAL OF OHIO | $23K | — | $23K | 2.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | MEDICAL MUTUAL OF OHIO | $11K | $1 | $11K | 1.32% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $10K | 10.64% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.37% |
| BNYU LLC3 | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $474 | — | $474 | 0.50% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| YOST MICHAEL3 Filed as: YOST LARRY A | 2421 SHEPHERDS RIDGE POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $650 | — | $650 | 2.47% |
| BERUBE MICHAEL W3 | PO BOX 9825 CANTON, OH 44711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 0.83% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 0.53% |
| HUFHAND MARK L3 | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.28% |
| HUFHAND MARK L3 | 925 SOUTH MAIN STREET NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.14% |
| HURLEY MICHAEL C3 | 7484 STATE ROUTE 195 ALGER, OH 45812 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.11% |
| MOSTOLLER BRENDEN PAUL3 | 504 PEFFER AVENUE NILES, OH 44446 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| NATIONAL HEALTHCARE ACCESS AGCY3 Filed as: NATIONAL HEALTHCARE ACCESS_74_ALL | 7422 SOUTHERN BOULEVARD YOUNGSTOWN, OH 44512 | MEDMUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | MEDMUTUAL LIFE INSURANCE COMPANY | $318 | $133 | $451 | 5.68% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 106 | $835K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $94K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 114 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $94K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $94K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 106 | $835K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 114 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.